A: Claiming your own Social Security benefit at age 62 reduces your monthly benefit by 25%. However, claiming spousal benefits (at age 62) results in a 30% reduction. This equates to approximately .625% for each month prior to your full retirement age. However the reduction is not even. There is a .694% reduction for each of the 36 months prior to your full retirement age, and a .416% reduction for months that are more than 36 months before your full retirement age.